| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MILLIMAN AGENCY INC3 | ATTN. VINCE REYNOLDS 1 PENN PLZ FL 38 NEW YORK, NY 101193899 | METROPOLITAN LIFE INSURANCE COMPANY | $235K | $0 | $235K | 4.59% |
| WILLIS TOWERS WATSON US LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $22K | $42K | 0.81% |
| THE MILLIMAN AGENCY INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $216K | $0 | $216K | 4.25% |
| WILLIS TOWERS WATSON US LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $21K | $40K | 0.78% |
| THE MILLIMAN AGENCY INC3 Filed as: MILLIMAN AGENCY INC | ATTN VINCE REYNOLDS ONE PENNSYLVANIA PLAZA - 38TH FLOOR NEW YORK, NY 10119 | AETNA LIFE INSURANCE CO. | $212K | — | $212K | 18.79% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $44K | — | $44K | 3.91% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY P.O. BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $146K | — | $146K | 49.79% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | — | $2K | $2K | 0.76% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | UNIVERS WORKPLACE SOLUTIONS 897 12TH STREET HAMMONTON, NJ 08037 | METLIFE LEGAL PLANS | — | $2K | $2K | 0.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 200 LIBERTY STREET BROOKFIELD PLACE NEW YORK, NY 10281 | ZURICH AMERICAN INSURANCE COMPANY | $4K | — | $4K | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 25,222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 106 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 25,328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | HUMANA HEALTH PLANS OF PUERTO RICO INC | 594 | $6.6M |
| Dental | AETNA LIFE INSURANCE CO. | 1,763 | $591K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 32,729 | $5.1M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 959 | $181K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 24,611 | $5.1M |
| Prescription drug(9 contracts, 8 carriers) | HUMANA HEALTH PLANS OF PUERTO RICO INC | 594 | $6.6M |
| Other(6 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 63,165 | $6.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 63,165 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.